Always Moving Always Sharing Somaliland

CASE STUDY: SCHOOL TEACHER
Jamal, 28, Borama
Lives in a home with his family. Teaches secondary school both
at a private and public school. At private school, he is paid by the
students via Zaad; public school is paid half by students and half
by the Ministry of Education.
He has a smartphone (iPhone 4), a gift from a relative living in
the UK.
Jamaal receives his salary through Zaad each first week of the
month. If needed, he can request the school for an advance and
the school accountant will send it.
After receiving his salary, using Zaad, he usually pays bills,
sends some money to relatives and keeps the rest on his Zaad
account.
His main dual-SIM phone has both Telesom and STC SIM cards.
His iPhone is mainly used at home on his WiFi to play games.
“I don’t have any cash on me. I never do—it’s all on Zaad.”
- Jamal, Male, School Teacher
BORAMA
B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS
MAY 2015 63